Money / Banks
Central West CUL
What Central West CUL publishes about its products under the Consumer Data Right, as at 18 October 2026. For current details, check Central West CUL's own website.
Savings and transaction accounts
Rates for a $10,000 balance. Compare with other banks.
| Account | If you miss the conditions | Bonus | With the bonus | What you have to do |
|---|---|---|---|---|
| INVESTMENT SAVINGS | 1.30% | – | 1.30% | No bonus |
| No 2 Deposit Account | 0.05% | – | 0.05% | No bonus |
| S1 On Call Account | 0.05% | – | 0.05% | No bonus |
| S10 Cash Management Account | 1.30% | – | 1.30% | No bonus |
| S12 Smart | 1.30% | – | 1.30% | No bonus |
| S2 Budget Savings Account | 0.05% | – | 0.05% | No bonus |
| S4 Christmas Club Account | 1.80% | – | 1.80% | No bonus |
| S5 Community Proud Account | 1.30% | – | 1.30% | No bonus |
| S6 Golden Account | 1.30% | – | 1.30% | No bonus |
| S7 Whole of Pay Account | 0.05% | – | 0.05% | No bonus |
| S8 E Access Saver Account | 1.55% | – | 1.55% | No bonus |
| S90 Business Smart | 1.20% | – | 1.20% | No bonus |
Term deposits
The rate for $10,000 (or the smallest deposit it takes). Compare with other banks.
| Product | 3 months | 6 months | 12 months | 24 months | Smallest deposit |
|---|---|---|---|---|---|
| $500+ (12m to 24m) I5 | – | – | – | 2.85% | $500 |
| $500+ (3m to <6m) I8 | – | 2.85% | – | – | $500 |
| $5000+ (12m - 24m) I15 | – | – | – | – | $5,000 |
| $5000+ (12m - 24m) I4 | – | – | – | 5.00% | $5,000 |
| $5000+ (18m - 24m) I17 | – | – | – | 4.90% | $5,000 |
| $5000+ (3m to <6m) I6 | – | 3.25% | – | – | $5,000 |
| $5000+ (6m to <12m) I3 | – | – | 3.40% | – | $5,000 |
| 500+ (6m to <12m) I1 | – | – | 2.85% | – | $500 |
Home loans
Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.
| Loan | Variable | Comparison |
|---|---|---|
| Minimiser Home Loan | 6.89% | 6.95% |
| Premium Smart Home Loan | 6.19% | 6.25% |
| Smart Fixed Rate Home Loan 1 year | 7.15% | – |
| Smart Fixed Rate Home Loan 2 year | 7.15% | – |
| Smart Home Loan | 7.15% | 7.21% |
Other products in these groups
These don't list rates we can show in a table (for example, accounts that pay no interest).
- Mortgage Equity Loan Home loans
- Mortgage Smart Home Loan - Interest Only Home loans
- S11 Mortgage Offset Account Savings and transaction accounts
- Smart Fixed Rate Investment Home Loan 1 Year Home loans
- Smart Fixed Rate Investment Home Loan 2 Years Home loans
- Smart Investment Home Loan Home loans
Rates changed on 834 products since 12 October 2026. Each one is marked "changed" below.
General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.
Source: Central West CUL product data, published under the Consumer Data Right, as at 18 October 2026. Every product name links to its page at Central West CUL, which has the current details.